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The Secret Test That Ensures Lenders Win on Loan Mods - ProPublica
Sep 15, 2009 . "NPV Test: Failed." That was the red-lettered verdict on the computer screen of a CitiMortgage negotiator in June. The result: An 83-year-old .
http://www.propublica.org/article/the-secret-test-that-ensures-lenders-win-on-loan-mods-915
The Net Present Value Test's Impact on the Home Affordable ...
Jun 18, 2012 . The NPV test is the gateway through which an otherwise eligible homeowner gets help under HAMP. A mortgage servicer3 first determines a .
http://www.sigtarp.gov/Audit%20Reports/NPV_Report.pdf